Looking for a different lender?
G
GOLDEN EMPIRE MORTGAGE, INC.
Independent Mortgage Company|Sacramento, CA|Multi-Region
Loans Originated
2,664
Applications
3,628
Volume
$1 billion
Offers loans directly to consumers
Overall Pricing
Mediocre
Overall Pull Through
Exceptional
Pricing and Pullthrough Overview
Average Rate Spread
+0.375%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$4,846
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
73.4%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and Jumbo loans
Things to Think About
- Pricing may be below industry average
- Higher than average fees ($4,846)
Report Card
GOLDEN EMPIRE MORTGAGE, INC. performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Mediocre | Below peers | |
Pull Through Closing Strength | Exceptional | Market Leader | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Exceptional | Market Leader | |
FHA | Exceptional | Market Leader | |
VA | Strong | Highly Competitive | |
Jumbo | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Exceptional | Market Leader | |
Refinance | Strong | Highly Competitive | |
Places Geographic coverage | Strong | Multi-Regional · 24 metro areas · 12 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$455,983
Average Borrower Income
$156,489
Average Property Value
$563,071
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Sound | Exceptional | Mediocre | Strong | 1,380 | 51.8% | +0.340% | $4,806 |
FHA Loans | Sound | Exceptional | Mediocre | Exceptional | 1,050 | 39.4% | +0.542% | $5,235 |
VA Loans | Sound | Strong | Acceptable | Exceptional | 179 | 6.7% | -0.249% | $3,937 |
Jumbo Loans | Sound | Strong | Acceptable | Sound | 50 | 1.9% | +0.404% | $1,695 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Sound | Exceptional | Mediocre | Exceptional | 2,385 | 89.5% | +0.384% | $5,093 |
Refinance | Sound | Strong | Acceptable | Strong | 279 | 10.5% | +0.321% | $3,429 |
Geographic Coverage
Metro Areas
23
States Served
12
We count Washington DC as a state
Avg Place Specialization
Strong
States with Loan Originations
AZCACOFLILINMONVORTNTXWA
Top Metro Areas by Place Specialization Score
1
Visalia, CA, CAMSA
Volume: 415Mix: 15.58%
Place Specialization
Exceptional
2
Hanford, CAMSA
Volume: 141Mix: 5.29%
Place Specialization
Exceptional
3
Bakersfield, CAMSA
Volume: 305Mix: 11.45%
Place Specialization
Exceptional
4
Fresno, CA, CAMSA
Volume: 331Mix: 12.42%
Place Specialization
Exceptional
5
Oxnard, CAMSA
Volume: 157Mix: 5.89%
Place Specialization
Exceptional
6
Riverside, CAMSA
Volume: 329Mix: 12.35%
Place Specialization
Strong
7
Los Angeles, CAMSA
Volume: 217Mix: 8.15%
Place Specialization
Strong
8
Modesto, CA, CAMSA
Volume: 62Mix: 2.33%
Place Specialization
Strong
9
Merced, CA, CAMSA
Volume: 36Mix: 1.35%
Place Specialization
Strong
10
San Luis Obispo, CAMSA
Volume: 46Mix: 1.73%
Place Specialization
Strong
Showing 10 of 23 metro areas
Top States by Place Specialization Score
1
CAState
Volume: 2,371Mix: 89.00%
Place Specialization
Exceptional
2
ORState
Volume: 102Mix: 3.83%
Place Specialization
Strong
3
TXState
Volume: 118Mix: 4.43%
Place Specialization
Sound
4
MOState
Volume: 24Mix: 0.90%
Place Specialization
Sound
5
NVState
Volume: 15Mix: 0.56%
Place Specialization
Sound
6
AZState
Volume: 17Mix: 0.64%
Place Specialization
Sound
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
Ready to Get Started?
Compare GOLDEN EMPIRE MORTGAGE, INC. with other lenders or get personalized recommendations.